Shopping Plaza 12th & "0" Streets The Center of it ALL! Hours: Mon.-Fri. 10-9 Sat. 10-5:30 Sun. 12-5 lco<.y, fiSjgjP What Happened on the Day ^ You Were Born? READ YOUR "SPECIAL EDITION" OF I AND FIND OUT! Ea< h "Sfiet i.»l Edition" is prrynwli/fd with the recipient's name and Ixrlh dale right in our store And it's packed with information about the year. Month and dale born, famous people who share the birthday, the year's top story, popular tunes of the year, and much more' Give one to every friend and family member—the "Times" is a unique gift and a fun keepsake Hot off our press in a handsome folder for just $2 SO' • • i • • / CS- .V./ V" /T? Patty's 3^ Centrum Plaza - Ground Level 477-8014 Enlighten Your Room • Posters • Kinetic Sculpture • Aqua tanks • Nebraska football merchandise • Buttons • "Teddies in teddies" • Masks • Precious moments figures • Brass items • Wicker • Picture frames • Desk calanders • Mugs • Desk lamps at Thingsville Centrum Gateway 475-1655 466-4488 Steful Styles a success at any you have to add just ght touch. nmand Performance s above other styling ons. They provide you :h the right mix of ser :e and style to suit >ur personal tastes, et them give you oday’s most tempting hairstyles. Appointments Accepted 20% o„ complete services with a student discount card Command^ Try our Wolff Tanning Beds Pertonnance AHA AOQ1 STYLING SALONS f TC“vF^dlOX We ve got the style for you. Open M-F til 9 Sat. 9-5:30 Sun 12-5 2nd Level Centrum I Kodak & Fuji I I FILM SALE OUR COST IS YOUR COST I • ON COLOR PRINT FILM I THE BEST PHOTOFINISHING SINCE 1946 I 1 HOUR PHOTOS CENTRUM PLAZA | OFFER ENOS 8/31/87 j ' Centerstage Shoes “The Image Maker" 2ND LEVEL CENTRUM Safer than a shoe box, banking services give students options By Trevor McArthur Staff Reporter Students may not have much cash to invest, but they still need some place safer than a drawer or a box to keep their money. What many students need is a sav ings or checking account. Since deregulation of the banking industry in 1981, the differences be tween the services offered by banks and savings and loan companies have faded. Jim Mastera, executive vice presi dent of Cornhusker Bank, attributed the change to the greater prestige of banks as well as the strength of the Federal Depository Insurance Corp oration. One recent revolution in banking is the automatic teller machine. Cards for these machines allow withdrawals and deposits from accounts at teller loca tions linked by computer networks. The following summaries give a brief outline of each institution’s basic services: Savings and loans First Federal Lincoln has almost a dozen locations around Lincoln and about 61 branches across the state. Automatic teller cards are linked with Networks for more statewide ser vice and Cirrus for nationwide access. Bills can be paid by phone, or Fixed payments can be sent automatically. A money market account can earn daily interest with a balance over $300. Interest rates change weekly and vary according to how much money you have in the account. Lincoln Federal Savings and Loan is a smaller institution with seven locations in six cities, including two in Lincoln. Checking accounts earn interest with a $100 balance, with a $5 charge if the amount drops below that. A money market account allows for some check writing while earning interest at a rate which increases as the account balance goes up. Provident Federal Savings Bank has three locations, two in Lincoln and one in Waverly. Customers who keep at least $500 in the basic NOW account earn interest. Those who have at least $300 are free of service charges. Otherwise it’s $5 per month. Commercial Federal Savings and Loan has branches in Denver and Kansas City, Kan., as well as in nearly a dozen Nebraska towns. With the Cash Card, customers deposit or withdraw money at any teller machine on the Cirrus, Nationet, Shazam or Nets net works across the state and country. A telephone bill-paying service allows bill paying over the phone day or night. Traditional checking has no min imum balance and allows the first 15 checks per month free, and 25 cents each after that. It has a service charge of $3.50 per month. Check Plus I charges $5-$8 per month for accounts under $200, but all check writing is free along with personalized check orders. Inter est is earned when there’s at least $200 in the account. Check Plus II has a fee of $6 a month, among other services. American Charter Federal Savings and Loan Association has teller machine cards and a Classic Visa card that doubles as a teller card. American Charter offers several checking plans that pay differing interst rates. Occidental Nebraska Federal Savings Bank has a home office in Omaha and more than 20 branches across the state. Two branches are located in Lincoln, both on O Street. The teller machine cards work with the Cirrus, Nationet or Networks systems. I Banks Vistar is a relatively new bank in Lin coln with a wide range of services for depositors including notary services and Instant Cash cards. The basic checking accounts have no monthly fee or required minimum bal ance. A 25-cent fee is charged on every withdrawal. Regular checking accounts have no monthly or per check fee if at least $400 or an average of $750 is kept in the account. Interest-bearing NOW and super NOW accounts are offered for those who maintain a balance of at least $750 or $1,000. See BANKS on 24